700 N Valley Mills Dr., Waco, Texas Installment Loans, Payday Loans, and Check Cashing | Check `n Go Locations

/ / / / Check `n Go

700 N Valley Mills Dr.
Waco, TX 76710

(254) 776-5573 Get Directions

Find My Loan Start In-Store Application Write a Review

Monday 10:00am - 6:00pm

Tuesday 10:00am - 6:00pm

Wednesday 10:00am - 6:00pm

Thursday 10:00am - 6:00pm

Friday 10:00am - 6:00pm

Saturday 10:00am - 2:00pm

Sunday Closed

Products and Services

Check Cashing
Check cashing is available at most retail locations. You don't need a checking account, and you won't have to wait for a bank to process your check.
Installment Loan
Installment loans are unsecured personal loans that are paid back over a period of time on a fixed schedule. Installment loans may be used to cover major purchases, consolidate bills or larger expenses that may be unexpected. When you have an installment loan from Check `n Go, you’ll also have free access to the TransUnion CreditView™ Dashboard where you are able to monitor and manage your credit.
Netspend Prepaid Mastercard®¹
A reloadable Mastercard® that can be used like you would a debit card—for paying bills and shopping, but without using a traditional bank.
Payday Loan
A payday loan is a short-term loan paid back by your next payday. Payday Loans are fast solutions to cover unexpected expenses, utility bills, or to cover costs until your next payday.

No Cost Extended Payment Plans may be available. Please click here for more information or contact your store.
Retail Remote Refis & Reloans
Existing Check `n Go retail customers may be eligible to re-loan or refinance their current installment loan by calling the store and speaking with our friendly customer service associates. The process is simple and secure.

FAQs

What do I need before I apply?
To apply for a loan, you'll need:
- Valid and working phone number
- Proof of most recent income information
- Valid US. Government issued photo ID or driver's license
- Proof of routing and account number from an open and active check account, must be active for at least 30 days.
- Official documentation of Social Security Number (AL, IN, OK only)
How does the loan process work?
Our loans and other services vary, so depending on how you want to apply (online, in store, or over the phone where available), things will be a little bit different. But generally speaking:
1. Apply
  Simply submit your application with all of the necessary requirements.
2. Get a Decision
  Your information will then go through our underwriting process. This will help determine your loan eligibility and, if approved, will dictate your rates and loan amounts.
3. Loan Acceptance
  Once you’re approved, you will be provided with the proposed loan amount, loan rate, due dates, and any other relevant information needed for you to make a decision.
4. Receiving Funding
  After you accept your terms and originate your Loan Agreement, funding is typically provided the following business day if you applied online, or typically the same day if you applied in person.
5. Repayment
  Payments are made in accordance with the terms of the Loan Agreement.
Will opening a loan affect my credit score?
Can I get a loan with bad or no credit?

More Answers to Common Questions

What You Need to Apply for an In-Store Loan in Waco

Loan Requirements

Follow These Steps To Your Loan

Step #1: Orange Apply in Minutes Clock Icon

Apply in Minutes

The process is quick, easy, and secure.

Step #2: Yellow Receive Decision Document Icon

Receive a Decision

If approved, simply eSign and finalize your loan.

Step #3: Green Get Your Money Icon

Get Your Money

Funds are deposited as soon
as the next business day.*

Step #4: Blue Repay Your Loan Calendar Icon

Repay Your Loan

Pay back the loan amount and
any fees you might owe.

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Loans Rates and Terms by State

Select your state below to view important rates, terms, and disclosures unique to the state.

P.O. Box 36124,

Cincinnati, OH 45236-0454

© 2024 Check `n Go. All rights reserved.

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Online Disclosures

Customer Notice: Payday Loans are typically for two- to four-week terms. Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.

California operations licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. Texas loans originated by a third-party lender, restrictions apply. Eastern Specialty Finance, Inc., D/B/A Check ‘n Go is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. sec. 2201 et. al.

Check `n Go Online is not a direct lender in Texas, where instead it acts in the capacity as a Credit Services Organization in conjunction with third-party lenders.

*Active checking account open for at least 30 days.

*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved and originated by 8:00 pm ET on a business day, online loans are typically funded the next business day. All times and dates are based on Eastern Time (ET). Check `n Go and third-party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third-party lenders may take that into consideration in the approval process.

**Transunion CreditView Dashboard is a third party provided service. The material has not been modified or validated by Check `n Go.

Payday Loans in Indiana are available for a maximum of $660 for online loans

We do not report credit in Texas.

Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.

Check `n Go currently operates online in: Alabama, California, Delaware, Florida, Idaho, Indiana, Kansas, Maine, Michigan, Missouri, North Dakota, South Carolina, Texas, Utah, Wisconsin, and Wyoming.

Check `n Go currently operates in store locations in: Alabama, Delaware, Idaho, Michigan, Missouri, Oklahoma, South Carolina, Texas, Utah, and Wisconsin.

Notice to California consumers: Information on your privacy rights under the California Consumer Privacy Act can be found by clicking here.

This retailer engages in money transmission services as an authorized delegate of Netspend Corporation (NMLS #932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses.

¹ IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your_* name, address, date of birth, and your government ID number*_. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

The Netspend Prepaid Mastercard is issued by Pathward®, National Association, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend is a registered agent of Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Card may be used everywhere Debit Mastercard is accepted

© 2024 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.